Expanding ForMotiv’s Non-Disclosure Solution to Full and Forensic Underwriting

In today’s rapidly evolving life insurance landscape, speed and efficiency often compete with risk and accuracy. For years, ForMotiv’s Non-Disclosure Solution has helped leading carriers strike that balance in Accelerated Underwriting (AUW) by surfacing real-time behavioral insights that uncover hidden risks—most notably, applicant nondisclosure and material misrepresentation.

But as carriers become increasingly reliant on data-driven decisioning across all stages of underwriting, ForMotiv continues to enhance its solution to enable carriers to reduce their portfolio mortality slippage while embracing AUW. We discussed the recent data releases on Mortality Slippage here.

What started as a solution to strengthen AUW triage is now being deployed across Full Underwriting, Forensic Underwriting, and even Post-Issue Audits—powering smarter decisions at every step of the underwriting process.

Acceleration or Escalation? Make Smarter Triaging Decisions

ForMotiv’s Non-Disclosure Solution continues to serve as a critical triage layer in accelerated workflows, helping carriers determine when to refer a case to traditional underwriting paths. Applicants flagged for high nondisclosure risk are seamlessly rerouted for additional requirements, including labs, electronic health records (EHRs), and attending physician statements (APS).

This intelligent escalation ensures that accelerated doesn’t mean compromising mortality risk—allowing carriers to scale AUW while maintaining confidence in the applicant’s risk profile.

Expanding to Full Underwriting 

While traditional underwriting includes a broader set of requirements, ForMotiv is helping carriers sharpen their lens even further. Our Non-Disclosure Solution is now used to trigger specialized tests and labs that go beyond standard protocols.

For example:

• • Applicants flagged for alcohol-related misrepresentation may be subject to Carbohydrate-deficient Transferrin (CDT)—a test typically outside the standard lab panel but highly indicative of alcohol use.
  • Behavioral indicators tied to Criminal History nondisclosure are prompting deeper reviews into state and local records
  • Location-based alerts driving deeper dives into agent and/or proposed insured travel and living situation
  • Avocation Manipulation prompting a deeper review of social media and local clubs and affinity groups 

By adding a behavioral layer to full underwriting, carriers are no longer just verifying disclosed information—they’re proactively identifying what’s missing.

Bonus: Forensic Underwriting & Post-Issue Audits

But wait, there’s more! Leading carriers are now using our Non-Disclosure Solution to trigger Post-Issue Audits (PIAs) and forensic reviews months after a policy has been issued.

Here’s how:

• Policies flagged for potential misrepresentation are now included to complement existing tools like Milliman ReCheck 
• Carriers are now leveraging ForMotiv to triage in-force policy reviews by conducting incremental PIAs using EHRs and APSs based on ForMotiv Signals. 
• This approach not only surfaces fraudulent behavior, but it also arms carriers with evidence for contestable claims and strengthens their position during rescissions.

In Conclusion

The expansion of ForMotiv’s Non-Disclosure Solution reflects a broader industry trend: underwriters want more than static data—they want dynamic, real-time insight into applicant behavior and intent.

Whether it’s deciding how to underwrite a new policy, what to test for, or when to go back and investigate a policy already on the books, ForMotiv gives carriers the edge they need to confidently manage risk across the entire underwriting continuum.